Head-to-head · 🇮🇳 India
SBI SimplyClick vs IDFC FIRST Wealth
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
SBI Card
SBI SimplyClick
Wins 4 of 10
IN
Premium
IDFC FIRST Bank
IDFC FIRST Wealth
VISA
Wins 5 of 10
Verdict
IDFC FIRST Wealth wins 5-4. Lifetime-free premium — best zero-fee card in India. SBI SimplyClick is still the right call if first card for online buyers, low entry fee.
Side-by-side
| Criterion | SBI SimplyClick | IDFC FIRST Wealth |
|---|---|---|
| Annual fee | · ₹499 | No annual fee |
| Joining fee | · ₹499 | None |
| Top reward rate | 10% (shopping) | · 3% (general) |
| Base reward rate | · 1.25% | 3% |
| Forex markup | · 3.5% | 1.5% |
| Welcome bonus | = Amazon e-gift voucher worth ₹500 | = 5,000 reward points on first 90-day spend |
| Fee waiver threshold | ₹100,000 / yr | · N/A (no fee) |
| Min income | ₹300,000 | · ₹1,200,000 |
| Min credit score | 700 | · 770 |
| Editorial rating | · 4.4/5 | 4.7/5 |
Benefits compared
SBI SimplyClick
- 10x rewards on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, UrbanClap, Yatra
- 5x rewards on all other online spend
- ₹2,000 Cleartrip voucher on ₹1L annual online spend, another at ₹2L
- 1% fuel surcharge waiver on ₹500–₹3,000 transactions
IDFC FIRST Wealth
- 3x reward points on online spends (10x on weekends + travel)
- 4 international + 4 domestic lounge visits per quarter
- 1% fuel surcharge waiver
- Low forex markup at 1.5%
- Lifetime free — no annual fee, no fee-waiver math
FAQ
›SBI SimplyClick vs IDFC FIRST Wealth: which is better?
IDFC FIRST Wealth wins on more dimensions (5 vs 4). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI SimplyClick for online shopping, IDFC FIRST Wealth for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI SimplyClick: Amazon e-gift voucher worth ₹500. IDFC FIRST Wealth: 5,000 reward points on first 90-day spend.